American Express Membership Rewards - Gold Business 75k w/ $10k spend - Not targeted expires 6/26/12

Just found a link for a 75,000 point bonus for the Business Gold card.

https://www262.americanexpress.com/business-card-application/business-gold-charge-card/apply/44060-286-0

I just got one and confirmed the 75,000 points with $10,000 spend in 4 months and first year fee waived.

Not targeted but note:

Welcome bonus offer not available to applicants who have had this product or any Business Gold, Green or Platinum Card® account within the last 12 months.

Not targeted but note:

So what is the deal with AMEX's new language? Has anyone spoken to or gotten info on what this new language means? Are cards now churnable as long as you haven't had the same rewards product type in the last 12 months? Or do you get locked out of that bonus again indefinitely?

Does this effectively mean you can get the Biz Gold card today for 75k points, canceling 6 months from now and then apply again 12 months after canceling?

I just got one and confirmed the 75,000 points with $10,000 spend in 4 months and first year fee waived.

The min spend is a little high for me right now.

... Or do you get locked out of that bonus again indefinitely?

What do you see that suggests this interpretation?

So what is the deal with AMEX's new language? Has anyone spoken to or gotten info on what this new language means? Are cards now churnable as long as you haven't had the same rewards product type in the last 12 months? Or do you get locked out of that bonus again indefinitely?

Does this effectively mean you can get the Biz Gold card today for 75k points, canceling 6 months from now and then apply again 12 months after canceling?

Technically, that is what it means... churnable every 12 mos.

Love the bonus. Don't think I can make the spend :(

just applied and got approved... so happy =)

If I received the personal gold card (w/ 75k points) less than a year ago, I should still be eligible for this, right?

If I received the personal gold card (w/ 75k points) less than a year ago, I should still be eligible for this, right?

That's how I read it. Unfortunately, I closed out my Bus Gold (which came with 75k points) in March, so I'm not eligible.

If I received the personal gold card...

Personal cards should have no bearing on eligibility for the bonus.

Not targeted but note:

Welcome bonus offer not available to applicants who have had this product or any Business Gold, Green or Platinum Card® account within the last 12 months.



So if I have a Personal Platinum Card account that is currently open, but NOT a Business Gold, Business Green or Business Platinum Card account, I should still qualify for these points?

Edit: Nevermind. Already answered above. Thanks Mia.

Anyone know the rule on getting 2 AMEX cards at once? Thinking about signing up for this one (business card) and then I got an offer mailed to me for a personal card with 50k bonus points w/ 1k spend and no first year annual fee.

Will AMEX generally approve a personal and business card? Any strategies? Apply both back to back or wait a few days between apps?

Thanks in advance!

Anyone know the rule on getting 2 AMEX cards at once? Thinking about signing up for this one (business card) and then I got an offer mailed to me for a personal card with 50k bonus points w/ 1k spend and no first year annual fee.

Will AMEX generally approve a personal and business card? Any strategies? Apply both back to back or wait a few days between apps?

Thanks in advance!

Generally Yes, YMMV, I like to apply at the same time and hit the submit button at the same time. Many people have reported that it doesn't matter. Call me superstitious.

Not targeted but note: Welcome bonus offer not available to applicants who have had this product or any Business Gold, Green or Platinum Card® account within the last 12 months.

I currently have the Platinum Business CREDIT card. I would assume I still qualify since I have CREDIT and not charge card currently on the business side.

My credit card version has $0 annual fee and is no longer offered - I have had it for about 10 years.

It currently is branded on the web site as Business Membership Rewards® Card with a $75 / annual fee but when I login to my account it says "Platinum Business Credit Card". I have been grandfathered in.

Thoughts? Their wording specifically says "Platinum Card®" so I take that as they are specifically referring to their charge card which goes by that name.

I canceled my personal gold back at March; and last month I tried to apply for the SPG personal and business at the same time. The personal got approved but the business one got rejected.

Do you think I should try to apply for this one, or I would pretty much got rejected? I do have a big purchase coming up in a month to fulfill the spending requirement.

Thanks.

How do you fill out the form when they request for business name, address, etc?

Hope this ignites a CC bonus war.

... Their wording specifically says "Platinum Card®" so I take that as they are specifically referring to their charge card which goes by that name.

Agree.

... the business one got rejected.


What was the stated reason for the rejection?

I already have a Gold card on our business name and Federal tax ID and gave my social on the application, so I believe that I would not be able to apply again on my business name.

My question is, can I apply on my business name again using my husband's social and still qualify for the bonus points? Or, should I just have my husband apply as a sole proprietor using his social as both the business and personal ID?

Thanks!

man I would love this offer..if I could make the spending..

I got in the mail yesterday a business Platinum card offer with similar spend requirement (10k) but 100k rewards bonus. Contemplating if I can actually get there on spend. I could do it if I charge my quarterly tax payments but those come with a hefty service charge so not sure it's worth pursuing.

Can anyone tell me why this is such a good deal? Is the 75k good? Or cuz it's AMEX?

75k is good and lately Amex hasnt had anything great, mainly just chase.

10k spend is a bit rough, especially if you are doing it twice (you+spouse)

Hmm. Does anyone have any experience with switching pending applications to a different card with Amex? Yesterday, I applied for both the SPG Personal and Business cards. The business one is pending because they said they can't do both the same day, and to call back in 5 days. I'm wondering if I can switch that application to this offer instead. If I end up transferring to SPG points, it's the same size bonus, but the points are more flexible. That SPG offer is more likely to still be there when I'm ready for another round of apps. Anyone ever done anything like this?

(Got wedding expenses coming up, so minimum spend won't be a problem.)

This is a smoking offer - If I can justify the 10k spend - I am in.

So not just applying here but does anyone know if the 1-year-bonus-limit applies to the time when you signed up or to the time when you close it?

Thanks!

They said my risk score is too high.

There are several reasons listed

Short period of time been a customer with Amex (I had a personal gold last May, but cancel it at April)

Too many recent credit checks (1 last Dec. , 1 Jan., 2 April, 2 May. All are personal card except the Ink Bold applied at May)

Insufficient time in business (I fill that in my business is 1 year's old)

Revolving bank trad credit limit is too low (Experian) (I don't really know what that mean)

My FICO score is 729

Agree.



What was the stated reason for the rejection?

So not just applying here but does anyone know if the 1-year-bonus-limit applies to the time when you signed up or to the time when you close it?

Thanks!

I spoke to them on the phone today. The one year bonus is from the time you were approved and received the card you already have. I have this same problem, but in reverse. I received the Platinum 100,000 offer yesterday and since I already have this Gold Amex Business card (I've had it since November 2011) I have to wait until then to be able to qualify.

I just applied for this 75k offer and then immediately after applied for a targeted 50k personal premier rewards gold card and I was instantly approved for both! Hopefully this will only show up as one pull on my credit report. 125k points heading my way!

Thanks OP. :D

I thought personal and business always show up as two pulls since they came from different entities in AMEX but you never know. Maybe only there was only one inquiry made. Please keep us posted.

My application is being reviewed and will receive a response in 8 days.

Is there a reconsideration line to call?

Applied online, end of application, "our system is busy right now, please try again later"
Does that mean they received it?
More AMEX fun and games.

I think you need to "try again later."

I thought personal and business always show up as two pulls since they came from different entities in AMEX but you never know. Maybe only there was only one inquiry made. Please keep us posted.

That's what the Million Miles Secret said at least:

Million Mile Secrets | June 21, 2012 at 6:12 pm |
@jeff – Good luck! I got approved today, so should get the card in a few days.

@Tianmu – You can apply for an AMEX personal card as well, but it will almost certainly be counted as a 2nd inquiry. For me, AMEX usually pulls from only 1 credit bureau.

I spoke to them on the phone today. The one year bonus is from the time you were approved and received the card you already have. I have this same problem, but in reverse. I received the Platinum 100,000 offer yesterday and since I already have this Gold Amex Business card (I've had it since November 2011) I have to wait until then to be able to qualify.

This a somewhat surprising interpretation. Thanks for posting it. I have the Business Gold now. I applied over a year ago but I still have it open. Under a plain language reading, I wouldn't think I qualify as I am an "applicant[s] who ha[s] had this product or any Business Gold or Green Card account within the last 12 months."

I will call to find out and confirm.

...surprising interpretation.... Under a plain language reading, I wouldn't think I qualify as I am an "applicant[s] who ha[s] had this product or any Business Gold or Green Card account within the last 12 months."


Agreed, I think the account would need to be closed for a year before you could qualify for another bonus, -and- the restriction applies to all OPEN charge cards, which means holding a Business Green, Gold or Platinum card should disqualify you from earning a bonus on all three.

If we assume parallel restrictions will be implemented for personal charge cards (Zync, Green, Gold, Platinum) it's going to require an entirely new calculus to earn periodic Membership Rewards bonuses.

Just picked this up today. Thanks OP!

This a somewhat surprising interpretation. Thanks for posting it. I have the Business Gold now. I applied over a year ago but I still have it open. Under a plain language reading, I wouldn't think I qualify as I am an "applicant[s] who ha[s] had this product or any Business Gold or Green Card account within the last 12 months."

I will call to find out and confirm.

That's exactly what I told the rep. on the phone. I told her she was either giving me inaccurate information or Amex had a very poorly worded sentence in the T&Cs. I told her that based on the literal wording, in order to ever qualify for this product I would have to close my current Gold Business card and stay off of it for a year, and I don't actually want to close the card. She told me she understood where I was coming from, but that the clause simply means that you can't have gotten the card within the past year. She actually got another department on the line to confirm when I had opened the account. Again, I'm just relaying what she told me, but I agree that the literal meaning on the T&C requires you to close the account, which makes absolutely no business sense for them. I think they simply screwed up the language. If it's been more than 12 months, I would just document the conversation very carefully, and even go the extra step of requiring a confirmation in writing once I have the account open before you go and spend so much money.

I already have a Gold card on our business name and Federal tax ID and gave my social on the application, so I believe that I would not be able to apply again on my business name.

My question is, can I apply on my business name again using my husband's social and still qualify for the bonus points? Or, should I just have my husband apply as a sole proprietor using his social as both the business and personal ID?

Thanks!

Anyone know the answer to this? Thanks.

Anyone know the answer to this? Thanks.

I would have the husband apply as a sole prop. If she applies they might pick up on it if she's using the same business name.

That's exactly what I told the rep. on the phone. I told her she was either giving me inaccurate information or Amex had a very poorly worded sentence in the T&Cs. I told her that based on the literal wording, in order to ever qualify for this product I would have to close my current Gold Business card and stay off of it for a year, and I don't actually want to close the card. She told me she understood where I was coming from, but that the clause simply means that you can't have gotten the card within the past year. She actually got another department on the line to confirm when I had opened the account. Again, I'm just relaying what she told me, but I agree that the literal meaning on the T&C requires you to close the account, which makes absolutely no business sense for them. I think they simply screwed up the language. If it's been more than 12 months, I would just document the conversation very carefully, and even go the extra step of requiring a confirmation in writing once I have the account open before you go and spend so much money.

Amex today told me a different story, unfortunately. They said that while I could get the card and enjoy the benefits and points earning capabilities, I would not be eligible for the sign-up bonus. I'm still hoping your version is the correct one, but I would not rely purely on that rep. After you do your $10k spend, I think you'd have an uphill battle to get the points if they then start saying "no, we meant what we wrote; you can't have had the card for a year." I think my next attempt will be a secure message.

Amex today told me a different story, unfortunately. They said that while I could get the card and enjoy the benefits and points earning capabilities, I would not be eligible for the sign-up bonus. I'm still hoping your version is the correct one, but I would not rely purely on that rep. After you do your $10k spend, I think you'd have an uphill battle to get the points if they then start saying "no, we meant what we wrote; you can't have had the card for a year." I think my next attempt will be a secure message.

Exactly, that's what I meant by documenting the conversation and getting it in writing. In my case, I had already applied and put my wife as an additional user last year. This time, she is the one who applied and put me as an additional user.

My SM result seems to now support what mromero07 has been saying. If I am reading the below correctly then this means you're ok if you applied over 12 months ago. Anybody else have a data point?

"Response (AmexRepName) 06/22/2012
Hello bluto,

If your last application does not fall under the 12 months period then you are certainly eligible for the Welcome Bonus offer on the Card.

I hope this is helpful.

Have a nice day!
Sincerely,

AmexRepName
Email Servicing Team
American Express Interactive Services



Customer (bluto) 06/22/2012
I am considering applying for a Business Platinum card. I noticed that the application says "Welcome bonus offer not available to applicants who have had this product or any other Business Gold or Green Card account within the last 12 months."
I currently have an Amex Business Gold account that is open. I applied over 12 months ago. Am I eligible for the signup bonus for the Amex Business Platinum if I get approved for that card?

Stupid question here: Can I open the card in my business name and pay a personal expense and count this as a "distribution"? More specifically, we are getting ready to buy a house and I need to make a $10k down payment. Can I pay it with this card, knowing that the money would have to be taxed later? Is this the same as taking $10k out of your business, and then having to pay all applicable income taxes on the money?

You need an accountant and a tax attorney!

If you rely on Internet advice you're going to get you and your business in trouble.

My SM result seems to now support what mromero07 has been saying. If I am reading the below correctly then this means you're ok if you applied over 12 months ago. Anybody else have a data point?


Husband applied today and got instant approval - very happy :).

I am going to send an SM to them as well about applying for myself/business again since my account is well over 12 months old and if I get the same response as bluto I am inclined to apply again. We do have real business expenses that we normally put on our SPG card so, there is no issue meeting the spend on 2 cards for us. Will post back when response is received.

Just applied, application status is Pending.
Does anyone know what the # is for the reconsideration line?

Tried to apply for DH twice and their system is down. It lets me get all the way through and then says they are having issues to try later. Anyone else have this problem?

FYI, for those who have a Gold Card that they applied for more than 12 months ago and would like to participate in this current promo, I got my answer today from my Dad. He has a Gold Card for his business for a couple of years already. In March he received an offer to apply for a Gold Card and earn 10k bonus points after $1500 of spend. I don't know why he jumped on it (I hate to say this on my dad, but it was a stupid move - IMO - because now he his excluded from this current offer which is WAY better and he would have no problem meeting the spend), but he did and he applied using the exact same info as on his first card - same business name, Federal tax ID, personal name, and SS#. He got approved instantly, spent $1500 within the first month or two and the 10k bonus points have already posted to his account and both cards are linked to the same MR account.

I will not say this is a definite, but I'm pretty confident that for those people who already have a Gold Card and applied more than 12 months ago, you can keep that card open and apply again through this offer and still be eligible for the 75k points. This is also based on the responses other FT members have received from Amex which are along the same line. I for one am going to give it a shot.

I had been planning to take a few months off from applications (have done just 2 this year) but have been looking for some Amex points, so this was very tempting. Just applied online and got instant approval. Now, gotta start using that card for everything for the next 4 months...a dive trip to Hawaii in September should help.

Anyone combining this application with a personal one at the same time? Or is there little reason to do so? (e.g. for some offers it seems that if you don't do business and personal apps simultaneously it won't give you the second one.)

I did my SPG and Mercedes Benz Platinum apps at the same time:D

I waited til today to apply - and when I follow the link it says:

"Thank you for your interest in the Business Gold Rewards Card® From American Express OPEN. We apologize that the offer you are looking for is not available at this time. Below is the current offer."

The "current offer" doesn't say what the bonus is, however, the language at the bottom says something about applying by June 24, 2012. I called to ask if it's still available and she was more than happy to give me the offer if I applied over the phone, but she wouldn't send me a link.

Anybody have a better link?

If not ... I guess I'll apply for the Chase Ink Business instead. I couldn't do both because of the high spends. If I apply for Ink can I also apply for two personal Chase cards?

Thanks!

Try these links:

http://cc.ebay.com/americanexpress-LTO

http://www.amazon.com/Business-Gold-Rewards-American-Express/dp/B007Y7FT3A

Awesome - thanks MIA. Both links seemed to work although neither would accept his existing account numbers/security codes for his two co-branded AMEX cards, so he had to fill out the complete app. Also could not get instant approval, so sitting on pins and needles...

...neither would accept his existing account numbers/security codes for his two co-branded AMEX cards...

Do you mean cards issued by American Express for Delta, Hilton, JetBlue, Mercedes, Starwood? It cannot work for Amex-network cards issued by other banks because his account is with the bank, not American Express.

Awesome - thanks MIA. Both links seemed to work although neither would accept his existing account numbers/security codes for his two co-branded AMEX cards, so he had to fill out the complete app. Also could not get instant approval, so sitting on pins and needles...

You shouldn't be sitting on pins and needles. You should call the reconsideration line now and explain why you want to and think you should be approved. I did that for both my SPG and MB Platinum, and in the latter instance it turned that that although my application was still being considered at the time, the CSR was able to manually approve it. The SPG was already approved by the time I called.

I just applied at the last minute and got instant approval, I had applied for a card 12 months ago so lloks like i did not have to cancel the old card.
Now have tospend 10k in 4 months

Try these links:

http://cc.ebay.com/americanexpress-LTO

http://www.amazon.com/Business-Gold-Rewards-American-Express/dp/B007Y7FT3A

interesting finding. since when ebay and amazon have begun to sell credit card application links?

You shouldn't be sitting on pins and needles. You should call the reconsideration line now and explain why you want to and think you should be approved. I did that for both my SPG and MB Platinum, and in the latter instance it turned that that although my application was still being considered at the time, the CSR was able to manually approve it. The SPG was already approved by the time I called.

Good suggestion, I did that when I applied for SPG Business (actually they wrote something in their interim response telling me I HAD to call them) and when I called them they said they had already approved it. But the current round is for my husband and he's not a caller.

Applied yesterday through the Amazon.com link. Got pending. Today AMEX called and just needed to confirm my address. Got approved and verified the 75000 points after 10K spend with the rep. ^

interesting finding. since when ebay and amazon have begun to sell credit card application links?

They are not selling application links, they both just had this card offer advertised on their sites and when you clicked on the ads it took you to the page on their site explaining the offer and then from there you clicked a link to the Amex app page.

Correct, but I'm sure they're getting a commission for each click and approved application.

Good suggestion, I did that when I applied for SPG Business (actually they wrote something in their interim response telling me I HAD to call them) and when I called them they said they had already approved it. But the current round is for my husband and he's not a caller.

The "approved" email came this morning! Guess they just needed a little time to mull it over.:cool:

Forgive my MR newbie-ness, but I seem to recall from cancelling Amex cards in the past, hearing in the recorded disclaimer that cancelling your card can result in forfeiting MR points. Is this accurate or no? Don't want to get hit with the annual fee next year..

...cancelling your card can result in forfeiting MR points. ..

Yes. Read here:

http://www.membershiprewards.com/catalog/splashtemplates/TermsSplash.aspx#POINTFORFEITUREFORACCOUNTCANCELLA TION

The "approved" email came this morning! Guess they just needed a little time to mull it over.:cool:

Emboldened by this success, this morning he applied for the AMEX personal Hilton card ... again got the "deferred" response .... five minutes later the approval email showed up! Guess AMEX likes him ... still waiting to hear from Chase and Barclays.

Uh-oh... I had the PRG card with 5 family members as additional card holders for over a year. I did this offer, and got the card on Tuesday. Yesterday I added 2 of the same family members as employee card holders, and today I attempted to add 2 more of the remaining family at the same time. Instead of the "approved" messages I used to get, I got a "you must call us in order for us to process this" type of message. It gave me a number, but I accidentally navigated away from the page losing the number forever. Has anybody had this experience before? Why would they want to talk to me? Does anybody have the number?

Correct, but I'm sure they're getting a commission for each click and approved application.

For sure they are getting a kick-back for each approved application - they wouldn't be advertising it for their health ;). They may also be getting a fee for the actual ad on their sites on various pages and positions, But, that's not the same as selling the links, which they weren't doing.

Do you need to have an actual business to get the business card and 75,000 sign up bonus? My husband recently retired and we no longer have a business license.
thanks,
Felicity

FYI I just received my new AMEX Business Rewards Gold card yesterday, and lo and behold today I get a targeted offer for the same card. But the targeted offer is for 50,000 MR points for spending $5000 by November 19th. So in this case it seems the public offer was better than the targeted offer. I found this interesting...

Do you need to have an actual business to get the business card and 75,000 sign up bonus? My husband recently retired and we no longer have a business license.
thanks,
Felicity

No, you don't - you just use the social security number again where it says tax ID number. This offer is however no longer available, but you will know for the future.

Sent a secure message to ask AMEX to confirm the promotion; the reply was prompt but the math is a tad confusing ....:confused:

"Response (R..... B....._MR)
Dear Mr. GoGreen,

I will be glad to assist a valued Cardmember like you regarding the promotion associated with your Gold Card.

I see that you were offered 75,000 points for spending $10,000.00 in the first 4 months of Cardmembership.

Your Card account was opened on June 28, 2012. Therefore, four months timeframe will end on November 28, 2012.

I also noticed that you have been a valued Cardmember since 2006. We appreciate your loyalty and it has been a privilege to serve you since then.
Sincerely,

R.... B......
Email Servicing Team
American Express Interactive Services"

One thing is clear: 10K must be spent. Yikes. Chase card also arrived today, I like the first purchase/55K on that one. Barclays is still pondering.

Edit: Email from Barclays just arrived - approved!

Looks like it might be back:

http://cc.ebay.com/americanexpress-LTO

But I don't see a date for when it ends. However I just saw this today.

Looks like it might be back:

http://cc.ebay.com/americanexpress-LTO

But I don't see a date for when it ends. However I just saw this today.

It is expired. Pl read the T&C...

"† Welcome bonus offer not available to applicants who have had this product or any Business Gold, Green or Platinum Card® account within the last 12 months. To be eligible to receive the bonus points, you must (1) apply for the Business Gold Rewards Card from American Express OPEN using Bonus ID A2QQ prior to termination of this offer, but in no event later than June 26th, 2012, and (2) charge $10,000 of eligible purchases on the Business Gold Rewards Card in the first 120 days of Card membership. If you apply after June 26, 2012, we may still process your application but you will not be eligible for the 75,000 bonus points."

Ahh. I looked but didn't find it. Thanks for pointing it out.